We offer a choice of three extended health care (EHC) plan options administered by Sun Life Financial. These plans offer choice and flexibility so you can find what fits you and your family best. There is no age limit for this coverage; it continues until retirement.
Plan highlights
| BRONZE LEVEL
All Family |
SILVER LEVEL All Family |
GOLD LEVEL
Varying levels |
|
|---|---|---|---|
|
Reimbursement |
70% |
80% |
90% |
|
Hospital |
100%; semi-private |
100%; semi-private |
100%; semi-private |
|
Orthotics shoes |
Custom made orthotics: |
Custom-made orthotics: |
Custom-made orthotics: |
|
Orthopedic shoes |
Not covered |
Stock-item orthopedic shoes: |
Stock-item orthopedic shoes: |
|
Hearing aids |
$400 per 60 months |
$500 per 60 months |
$1000 per 60 months |
|
Emergency out of province/country |
100%; $1,000,000 lifetime maximum ($50,000 lifetime maximum for referral) |
100%; $1,000,000 lifetime maximum ($50,000 lifetime maximum for referral) |
100%; $1,000,000 lifetime maximum ($50,000 lifetime maximum for referral) |
|
Lifetime plan maximum |
$1,000,000; excluding in-Canada prescription drugs, emergency out-of-Canada and emergency travel assistance expenses |
$1,000,000; excluding in-Canada prescription drugs, emergency out-of-Canada and emergency travel assistance expenses |
$1,000,000; excluding in-Canada prescription drugs, emergency out-of-Canada and emergency travel assistance expenses |
|
Prescription drug coinsurance |
70% up to $2,000 out of pocket; 90% thereafter |
80% up to $1,000 out of pocket; 100% thereafter |
90% up to $500 out of pocket; 100% thereafter |
|
Formulary |
Generic drugs; prior authorization required |
Generic drugs; prior authorization required |
Generic drugs; prior authorization required |
|
Dispensing fee cap |
Not covered |
$10 |
Reasonable & Customary (R&C) |
|
Vaccines |
Coverage for preventive vaccines |
Coverage for preventive vaccines |
Coverage for preventive vaccines |
|
Smoking cessation |
Covered up to $500 lifetime maximum |
Covered up to $500 lifetime maximum |
Covered up to $500 lifetime maximum |
|
Fertility drugs |
Not covered |
$5,000 lifetime maximum |
$5,000 lifetime maximum |
|
Erectile dysfunction |
Not covered |
$500 per year |
$500 per year |
|
Vision |
Not Covered |
100%; $200 limit every 2 years |
100%; $400 limit every 2 years |
|
Paramedical services |
$300 per year combined maximum: massage, chiropractor, physiotherapists, physical rehabilitation $300 per year per practitioner maximum: speech, osteopaths, podiatrists and chiropodist, naturopaths, acupuncture |
$750 per year combined maximum: massage, chiropractor, physiotherapists, physical rehabilitation $500 per year per practitioner maximum: speech, osteopaths, podiatrists and chiropodist, naturopaths, acupuncture |
$1,000 per year combined maximum: massage, chiropractor, physiotherapists, physical rehabilitation $750 per year per practitioner maximum: speech, osteopaths, podiatrists and chiropodist, naturopaths, acupuncture |
|
Mental health services |
$1,000 combined maximum: clinical counselor, marriage/family therapist, psychoanalyst, psychologist, social worker, psychotherapist |
$1,000 combined maximum: clinical counselor, marriage/family therapist, psychoanalyst, psychologist, social worker, psychotherapist |
$1,000 combined maximum: clinical counselor, marriage/family therapist, psychoanalyst, psychologist, social worker, psychotherapist |
|
Annual cost to you |
$0 |
$0 |
• Single (employee only): $391 |
|
Flex Credits remaining |
$165 |
$0 |
$0 |
Thermo Fisher shares the cost
You earn credits based on your Extended Health Care and Dental Care election plus additional base credits of $175. Based on your coverage election, the base credits will be applied to your HCSA and/or PSA or will be used to offset the cost of EHC or dental coverage.
Don’t need coverage?
If you have coverage available through your spouse or another source, you will receive an opt-out payment of $300 into your flex credits for declining medical coverage.
Pay direct drug card
If you enrol in EHC coverage, you’ll receive a Pay-Direct Drug card to instantly pay for covered drug expenses. Don’t forget to show it to the pharmacist when you drop off your prescriptions.
Request your card at mysunlife.ca or the Aon Choice site at My Benefit Card.
Lumino Health Virtual Care
Access a wide range of patient-rated health-care providers with the all-in-one health hub, Lumino Health, and find the provider that’s right for you.
